| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $21K | — | $21K | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | PO BOX 5668 CONCORD, CA 94524 | HARTFORD LIFE AND ACCIDENT | $10K | $3K | $13K | 6.70% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $8K | — | $8K | 5.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $7K | — | $7K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.91% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TRANSAMERICA INSURANCE CO. | $536 | — | $536 | 5.49% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $429 | — | $429 | 4.40% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $402 | — | $402 | 5.96% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | ENVISION INSURANCE COMPANY | $221 | — | $221 | 3.28% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMBLEM HEALTH | 29 | $98K |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK, INC. | 1,386 | $854K |
| Vision | VISION SERVICE PLAN | 1,103 | $132K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,675 | $201K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,675 | $201K |
| Prescription drug(2 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO. | 3 | $16K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,675 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,675 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.